Home > The Cowlitz Bank > Income and Expense
The Cowlitz Bank, Income and Expense
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $11,290,000 | 1,399 |
| Total interest expense | $5,687,000 | 761 |
| Net interest income | $5,603,000 | 1,974 |
| Provision for loan and lease losses | $10,054,000 | 359 |
| Total noninterest income | $1,570,000 | 1,461 |
| Gross Fiduciary activities income | $428,000 | 436 |
| Service charges on deposit accounts | $395,000 | 1,913 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $747,000 | 1,606 |
| Total noninterest expense | $11,668,000 | 849 |
| Salaries and employee benefits | $3,859,000 | 1,273 |
| Premises and equipment expense | $1,292,000 | 1,034 |
| Additional noninterest expense | $6,517,000 | 562 |
| Pre-tax net operating income | $-14,549,000 | 7,727 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $-87,000 | 7,172 |
| Income before extraordinary items | $-14,462,000 | 7,726 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-14,462,000 | 7,725 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-14,462,000 | 7,726 |
| Net charge-offs | $8,661,000 | 372 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-14,462,000 | 7,722 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $5,628,000 | 1,440 |
| Total interest expense | $2,945,000 | 774 |
| Net interest income | $2,683,000 | 2,084 |
| Provision for loan and lease losses | $9,824,000 | 227 |
| Total noninterest income | $836,000 | 1,408 |
| Gross Fiduciary activities income | $244,000 | 413 |
| Service charges on deposit accounts | $188,000 | 1,968 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $404,000 | 1,502 |
| Total noninterest expense | $5,932,000 | 838 |
| Salaries and employee benefits | $1,977,000 | 1,264 |
| Premises and equipment expense | $644,000 | 1,063 |
| Additional noninterest expense | $3,311,000 | 552 |
| Pre-tax net operating income | $-12,237,000 | 7,864 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $-87,000 | 7,429 |
| Income before extraordinary items | $-12,150,000 | 7,863 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-12,150,000 | 7,864 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-12,150,000 | 7,864 |
| Net charge-offs | $8,012,000 | 234 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-12,150,000 | 7,863 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $28,595,000 | 1,205 |
| Total interest expense | $13,885,000 | 845 |
| Net interest income | $14,710,000 | 1,531 |
| Provision for loan and lease losses | $22,351,000 | 452 |
| Total noninterest income | $6,283,000 | 912 |
| Gross Fiduciary activities income | $799,000 | 439 |
| Service charges on deposit accounts | $889,000 | 1,869 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $4,595,000 | 767 |
| Total noninterest expense | $23,298,000 | 907 |
| Salaries and employee benefits | $8,074,000 | 1,221 |
| Premises and equipment expense | $2,564,000 | 1,064 |
| Additional noninterest expense | $12,660,000 | 641 |
| Pre-tax net operating income | $-24,656,000 | 7,764 |
| Securities gains (losses) | $-94,000 | 7,275 |
| Applicable income taxes | $8,879,000 | 177 |
| Income before extraordinary items | $-33,629,000 | 7,830 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-33,629,000 | 7,830 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-33,629,000 | 7,830 |
| Net charge-offs | $25,899,000 | 327 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-33,535,000 | 7,831 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $22,518,000 | 1,161 |
| Total interest expense | $10,561,000 | 879 |
| Net interest income | $11,957,000 | 1,391 |
| Provision for loan and lease losses | $13,588,000 | 491 |
| Total noninterest income | $5,599,000 | 798 |
| Gross Fiduciary activities income | $602,000 | 436 |
| Service charges on deposit accounts | $680,000 | 1,844 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $4,317,000 | 658 |
| Total noninterest expense | $15,486,000 | 997 |
| Salaries and employee benefits | $5,911,000 | 1,267 |
| Premises and equipment expense | $1,912,000 | 1,079 |
| Additional noninterest expense | $7,663,000 | 740 |
| Pre-tax net operating income | $-11,518,000 | 7,778 |
| Securities gains (losses) | $-85,000 | 7,456 |
| Applicable income taxes | $8,879,000 | 154 |
| Income before extraordinary items | $-20,482,000 | 7,897 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-20,482,000 | 7,896 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-20,482,000 | 7,897 |
| Net charge-offs | $16,073,000 | 365 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-20,397,000 | 7,900 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $15,275,000 | 1,168 |
| Total interest expense | $7,060,000 | 933 |
| Net interest income | $8,215,000 | 1,356 |
| Provision for loan and lease losses | $7,160,000 | 580 |
| Total noninterest income | $1,708,000 | 1,504 |
| Gross Fiduciary activities income | $413,000 | 432 |
| Service charges on deposit accounts | $458,000 | 1,806 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $837,000 | 1,591 |
| Total noninterest expense | $10,426,000 | 1,012 |
| Salaries and employee benefits | $3,992,000 | 1,278 |
| Premises and equipment expense | $1,258,000 | 1,120 |
| Additional noninterest expense | $5,176,000 | 748 |
| Pre-tax net operating income | $-7,663,000 | 7,860 |
| Securities gains (losses) | $-87,000 | 7,667 |
| Applicable income taxes | $8,879,000 | 113 |
| Income before extraordinary items | $-16,629,000 | 8,019 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-16,629,000 | 8,019 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-16,629,000 | 8,019 |
| Net charge-offs | $12,581,000 | 321 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-16,542,000 | 8,012 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $7,765,000 | 1,171 |
| Total interest expense | $3,471,000 | 987 |
| Net interest income | $4,294,000 | 1,290 |
| Provision for loan and lease losses | $3,445,000 | 512 |
| Total noninterest income | $885,000 | 1,427 |
| Gross Fiduciary activities income | $226,000 | 406 |
| Service charges on deposit accounts | $230,000 | 1,758 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $429,000 | 1,542 |
| Total noninterest expense | $4,983,000 | 1,012 |
| Salaries and employee benefits | $2,122,000 | 1,211 |
| Premises and equipment expense | $640,000 | 1,116 |
| Additional noninterest expense | $2,221,000 | 765 |
| Pre-tax net operating income | $-3,249,000 | 7,958 |
| Securities gains (losses) | $-11,000 | 7,833 |
| Applicable income taxes | $-1,575,000 | 8,059 |
| Income before extraordinary items | $-1,685,000 | 7,862 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-1,685,000 | 7,863 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-1,685,000 | 7,863 |
| Net charge-offs | $8,730,000 | 226 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-1,677,960 | 7,850 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $35,663,000 | 1,064 |
| Total interest expense | $13,193,000 | 1,231 |
| Net interest income | $22,470,000 | 952 |
| Provision for loan and lease losses | $17,502,000 | 407 |
| Total noninterest income | $3,629,000 | 1,366 |
| Gross Fiduciary activities income | $609,000 | 524 |
| Service charges on deposit accounts | $801,000 | 2,125 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $2,219,000 | 1,206 |
| Total noninterest expense | $18,925,000 | 1,045 |
| Salaries and employee benefits | $8,911,000 | 1,109 |
| Premises and equipment expense | $2,546,000 | 1,100 |
| Additional noninterest expense | $7,468,000 | 875 |
| Pre-tax net operating income | $-10,328,000 | 7,993 |
| Securities gains (losses) | $-1,924,000 | 7,886 |
| Applicable income taxes | $-4,937,000 | 8,103 |
| Income before extraordinary items | $-7,315,000 | 7,923 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-7,315,000 | 7,923 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,591,000 | 427 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-6,083,640 | 7,918 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $26,971,000 | 1,085 |
| Total interest expense | $9,803,000 | 1,296 |
| Net interest income | $17,168,000 | 950 |
| Provision for loan and lease losses | $15,675,000 | 285 |
| Total noninterest income | $2,850,000 | 1,353 |
| Gross Fiduciary activities income | $479,000 | 521 |
| Service charges on deposit accounts | $564,000 | 2,236 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,807,000 | 1,195 |
| Total noninterest expense | $16,172,000 | 916 |
| Salaries and employee benefits | $7,138,000 | 1,072 |
| Premises and equipment expense | $1,888,000 | 1,111 |
| Additional noninterest expense | $7,146,000 | 670 |
| Pre-tax net operating income | $-11,829,000 | 8,240 |
| Securities gains (losses) | $-1,844,000 | 8,039 |
| Applicable income taxes | $-5,469,000 | 8,277 |
| Income before extraordinary items | $-8,204,000 | 8,196 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-8,204,000 | 8,196 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,617,000 | 332 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-7,023,840 | 8,208 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $18,079,000 | 1,090 |
| Total interest expense | $6,626,000 | 1,329 |
| Net interest income | $11,453,000 | 943 |
| Provision for loan and lease losses | $13,570,000 | 209 |
| Total noninterest income | $2,087,000 | 1,284 |
| Gross Fiduciary activities income | $336,000 | 519 |
| Service charges on deposit accounts | $343,000 | 2,382 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $1,408,000 | 1,103 |
| Total noninterest expense | $11,538,000 | 846 |
| Salaries and employee benefits | $4,868,000 | 1,059 |
| Premises and equipment expense | $1,247,000 | 1,119 |
| Additional noninterest expense | $5,423,000 | 579 |
| Pre-tax net operating income | $-11,568,000 | 8,365 |
| Securities gains (losses) | $-432,000 | 8,333 |
| Applicable income taxes | $-5,200,000 | 8,381 |
| Income before extraordinary items | $-6,800,000 | 8,341 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-6,800,000 | 8,340 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,338,000 | 284 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-6,523,520 | 8,337 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $9,147,000 | 1,107 |
| Total interest expense | $3,559,000 | 1,312 |
| Net interest income | $5,588,000 | 960 |
| Provision for loan and lease losses | $592,000 | 916 |
| Total noninterest income | $1,179,000 | 1,160 |
| Gross Fiduciary activities income | $173,000 | 521 |
| Service charges on deposit accounts | $164,000 | 2,440 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $842,000 | 962 |
| Total noninterest expense | $4,705,000 | 1,039 |
| Salaries and employee benefits | $2,445,000 | 1,057 |
| Premises and equipment expense | $617,000 | 1,136 |
| Additional noninterest expense | $1,643,000 | 872 |
| Pre-tax net operating income | $1,470,000 | 1,285 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $364,000 | 1,273 |
| Income before extraordinary items | $1,106,000 | 1,367 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,106,000 | 1,370 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $158,000 | 1,447 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $1,106,000 | 1,323 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $36,226,000 | 1,166 |
| Total interest expense | $13,026,000 | 1,548 |
| Net interest income | $23,200,000 | 948 |
| Provision for loan and lease losses | $7,955,000 | 293 |
| Total noninterest income | $3,727,000 | 1,376 |
| Gross Fiduciary activities income | $692,000 | 514 |
| Service charges on deposit accounts | $683,000 | 2,415 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $2,352,000 | 1,222 |
| Total noninterest expense | $18,071,000 | 1,037 |
| Salaries and employee benefits | $9,247,000 | 1,081 |
| Premises and equipment expense | $2,280,000 | 1,157 |
| Additional noninterest expense | $6,544,000 | 864 |
| Pre-tax net operating income | $901,000 | 4,945 |
| Securities gains (losses) | $-265,000 | 8,294 |
| Applicable income taxes | $-330,000 | 8,227 |
| Income before extraordinary items | $966,000 | 4,390 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $966,000 | 4,392 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,635,000 | 247 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,231,000 | 3,879 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $27,156,000 | 1,169 |
| Total interest expense | $9,561,000 | 1,576 |
| Net interest income | $17,595,000 | 950 |
| Provision for loan and lease losses | $1,071,000 | 852 |
| Total noninterest income | $2,725,000 | 1,408 |
| Gross Fiduciary activities income | $529,000 | 514 |
| Service charges on deposit accounts | $509,000 | 2,415 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,687,000 | 1,276 |
| Total noninterest expense | $13,939,000 | 996 |
| Salaries and employee benefits | $7,114,000 | 1,058 |
| Premises and equipment expense | $1,683,000 | 1,172 |
| Additional noninterest expense | $5,142,000 | 807 |
| Pre-tax net operating income | $5,310,000 | 1,286 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $1,422,000 | 1,280 |
| Income before extraordinary items | $3,888,000 | 1,316 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $3,888,000 | 1,313 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-276,000 | 8,491 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $3,888,000 | 1,310 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $17,792,000 | 1,201 |
| Total interest expense | $6,082,000 | 1,653 |
| Net interest income | $11,710,000 | 962 |
| Provision for loan and lease losses | $275,000 | 1,664 |
| Total noninterest income | $1,815,000 | 1,423 |
| Gross Fiduciary activities income | $364,000 | 509 |
| Service charges on deposit accounts | $337,000 | 2,420 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $1,114,000 | 1,307 |
| Total noninterest expense | $9,931,000 | 953 |
| Salaries and employee benefits | $4,770,000 | 1,071 |
| Premises and equipment expense | $1,092,000 | 1,224 |
| Additional noninterest expense | $4,069,000 | 700 |
| Pre-tax net operating income | $3,319,000 | 1,412 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $922,000 | 1,353 |
| Income before extraordinary items | $2,397,000 | 1,462 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,397,000 | 1,460 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-87,000 | 8,414 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $2,397,000 | 1,445 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $8,768,000 | 1,205 |
| Total interest expense | $2,809,000 | 1,768 |
| Net interest income | $5,959,000 | 945 |
| Provision for loan and lease losses | $275,000 | 887 |
| Total noninterest income | $906,000 | 1,413 |
| Gross Fiduciary activities income | $190,000 | 496 |
| Service charges on deposit accounts | $166,000 | 2,416 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $550,000 | 1,273 |
| Total noninterest expense | $4,498,000 | 1,047 |
| Salaries and employee benefits | $2,402,000 | 1,071 |
| Premises and equipment expense | $539,000 | 1,250 |
| Additional noninterest expense | $1,557,000 | 883 |
| Pre-tax net operating income | $2,092,000 | 1,119 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $582,000 | 1,145 |
| Income before extraordinary items | $1,510,000 | 1,173 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,510,000 | 1,172 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,238 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,510,000 | 1,148 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $31,601,000 | 1,241 |
| Total interest expense | $8,476,000 | 1,945 |
| Net interest income | $23,125,000 | 962 |
| Provision for loan and lease losses | $2,530,000 | 454 |
| Total noninterest income | $3,214,000 | 1,521 |
| Gross Fiduciary activities income | $602,000 | 543 |
| Service charges on deposit accounts | $695,000 | 2,384 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,917,000 | 1,404 |
| Total noninterest expense | $15,897,000 | 1,132 |
| Salaries and employee benefits | $8,390,000 | 1,164 |
| Premises and equipment expense | $2,110,000 | 1,214 |
| Additional noninterest expense | $5,397,000 | 988 |
| Pre-tax net operating income | $7,912,000 | 1,237 |
| Securities gains (losses) | $-348,000 | 8,470 |
| Applicable income taxes | $2,075,000 | 1,292 |
| Income before extraordinary items | $5,489,000 | 1,330 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $5,489,000 | 1,330 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,483,000 | 321 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $5,743,040 | 1,249 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $22,558,000 | 1,309 |
| Total interest expense | $5,858,000 | 2,031 |
| Net interest income | $16,700,000 | 1,019 |
| Provision for loan and lease losses | $1,449,000 | 540 |
| Total noninterest income | $2,408,000 | 1,531 |
| Gross Fiduciary activities income | $427,000 | 553 |
| Service charges on deposit accounts | $518,000 | 2,407 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,463,000 | 1,383 |
| Total noninterest expense | $11,625,000 | 1,169 |
| Salaries and employee benefits | $6,179,000 | 1,200 |
| Premises and equipment expense | $1,582,000 | 1,227 |
| Additional noninterest expense | $3,864,000 | 1,049 |
| Pre-tax net operating income | $6,034,000 | 1,265 |
| Securities gains (losses) | $-348,000 | 8,600 |
| Applicable income taxes | $1,603,000 | 1,327 |
| Income before extraordinary items | $4,083,000 | 1,391 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $4,083,000 | 1,392 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $675,000 | 637 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $4,333,560 | 1,293 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $13,955,000 | 1,390 |
| Total interest expense | $3,443,000 | 2,162 |
| Net interest income | $10,512,000 | 1,078 |
| Provision for loan and lease losses | $595,000 | 853 |
| Total noninterest income | $1,567,000 | 1,573 |
| Gross Fiduciary activities income | $302,000 | 549 |
| Service charges on deposit accounts | $313,000 | 2,583 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $952,000 | 1,401 |
| Total noninterest expense | $7,756,000 | 1,175 |
| Salaries and employee benefits | $4,042,000 | 1,224 |
| Premises and equipment expense | $976,000 | 1,333 |
| Additional noninterest expense | $2,738,000 | 985 |
| Pre-tax net operating income | $3,728,000 | 1,355 |
| Securities gains (losses) | $-164,000 | 8,615 |
| Applicable income taxes | $1,004,000 | 1,399 |
| Income before extraordinary items | $2,560,000 | 1,459 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,560,000 | 1,460 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 7,784 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $2,678,080 | 1,393 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $6,396,000 | 1,480 |
| Total interest expense | $1,456,000 | 2,380 |
| Net interest income | $4,940,000 | 1,142 |
| Provision for loan and lease losses | $405,000 | 604 |
| Total noninterest income | $761,000 | 1,577 |
| Gross Fiduciary activities income | $181,000 | 503 |
| Service charges on deposit accounts | $144,000 | 2,683 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $436,000 | 1,480 |
| Total noninterest expense | $3,553,000 | 1,291 |
| Salaries and employee benefits | $2,030,000 | 1,225 |
| Premises and equipment expense | $450,000 | 1,448 |
| Additional noninterest expense | $1,073,000 | 1,233 |
| Pre-tax net operating income | $1,743,000 | 1,421 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $501,000 | 1,399 |
| Income before extraordinary items | $1,242,000 | 1,465 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,242,000 | 1,464 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-21,000 | 8,173 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,242,000 | 1,445 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $19,698,000 | 1,704 |
| Total interest expense | $4,480,000 | 2,424 |
| Net interest income | $15,218,000 | 1,430 |
| Provision for loan and lease losses | $870,000 | 1,180 |
| Total noninterest income | $2,682,000 | 1,766 |
| Gross Fiduciary activities income | $598,000 | 537 |
| Service charges on deposit accounts | $553,000 | 2,832 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,531,000 | 1,634 |
| Total noninterest expense | $12,225,000 | 1,402 |
| Salaries and employee benefits | $6,799,000 | 1,368 |
| Premises and equipment expense | $1,427,000 | 1,714 |
| Additional noninterest expense | $3,999,000 | 1,292 |
| Pre-tax net operating income | $4,805,000 | 1,927 |
| Securities gains (losses) | $-232,000 | 8,605 |
| Applicable income taxes | $1,116,000 | 2,112 |
| Income before extraordinary items | $3,457,000 | 1,980 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,457,000 | 1,979 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,649,000 | 467 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $3,633,320 | 1,868 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $13,721,000 | 1,791 |
| Total interest expense | $3,163,000 | 2,439 |
| Net interest income | $10,558,000 | 1,535 |
| Provision for loan and lease losses | $370,000 | 1,832 |
| Total noninterest income | $1,890,000 | 1,869 |
| Gross Fiduciary activities income | $439,000 | 540 |
| Service charges on deposit accounts | $420,000 | 2,813 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,031,000 | 1,783 |
| Total noninterest expense | $8,672,000 | 1,473 |
| Salaries and employee benefits | $5,005,000 | 1,379 |
| Premises and equipment expense | $1,030,000 | 1,756 |
| Additional noninterest expense | $2,637,000 | 1,433 |
| Pre-tax net operating income | $3,406,000 | 2,029 |
| Securities gains (losses) | $-68,000 | 8,562 |
| Applicable income taxes | $922,000 | 1,995 |
| Income before extraordinary items | $2,416,000 | 2,132 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,416,000 | 2,131 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $112,000 | 2,398 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,464,960 | 2,056 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $8,613,000 | 1,851 |
| Total interest expense | $1,963,000 | 2,455 |
| Net interest income | $6,650,000 | 1,613 |
| Provision for loan and lease losses | $60,000 | 4,115 |
| Total noninterest income | $1,180,000 | 1,945 |
| Gross Fiduciary activities income | $297,000 | 539 |
| Service charges on deposit accounts | $281,000 | 2,747 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $602,000 | 1,924 |
| Total noninterest expense | $5,706,000 | 1,485 |
| Salaries and employee benefits | $3,341,000 | 1,373 |
| Premises and equipment expense | $694,000 | 1,724 |
| Additional noninterest expense | $1,671,000 | 1,500 |
| Pre-tax net operating income | $2,064,000 | 2,127 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $561,000 | 2,100 |
| Income before extraordinary items | $1,503,000 | 2,224 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,503,000 | 2,222 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-79,000 | 8,609 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,503,000 | 2,187 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $4,112,000 | 1,888 |
| Total interest expense | $952,000 | 2,429 |
| Net interest income | $3,160,000 | 1,693 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $618,000 | 1,832 |
| Gross Fiduciary activities income | $147,000 | 550 |
| Service charges on deposit accounts | $137,000 | 2,743 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $334,000 | 1,758 |
| Total noninterest expense | $2,840,000 | 1,493 |
| Salaries and employee benefits | $1,686,000 | 1,373 |
| Premises and equipment expense | $348,000 | 1,725 |
| Additional noninterest expense | $806,000 | 1,539 |
| Pre-tax net operating income | $938,000 | 2,281 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $247,000 | 2,291 |
| Income before extraordinary items | $691,000 | 2,349 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $691,000 | 2,350 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-44,000 | 8,600 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $691,000 | 2,312 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $15,243,000 | 1,875 |
| Total interest expense | $2,959,000 | 2,663 |
| Net interest income | $12,284,000 | 1,657 |
| Provision for loan and lease losses | $400,000 | 2,359 |
| Total noninterest income | $2,778,000 | 1,724 |
| Gross Fiduciary activities income | $439,000 | 609 |
| Service charges on deposit accounts | $692,000 | 2,389 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,647,000 | 1,527 |
| Total noninterest expense | $11,735,000 | 1,394 |
| Salaries and employee benefits | $6,253,000 | 1,416 |
| Premises and equipment expense | $1,500,000 | 1,546 |
| Additional noninterest expense | $3,982,000 | 1,248 |
| Pre-tax net operating income | $2,927,000 | 2,648 |
| Securities gains (losses) | $8,000 | 2,935 |
| Applicable income taxes | $728,000 | 2,693 |
| Income before extraordinary items | $2,207,000 | 2,686 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,207,000 | 2,689 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $572,000 | 1,203 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,201,000 | 2,645 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $11,127,000 | 1,902 |
| Total interest expense | $2,127,000 | 2,713 |
| Net interest income | $9,000,000 | 1,678 |
| Provision for loan and lease losses | $350,000 | 2,001 |
| Total noninterest income | $2,157,000 | 1,669 |
| Gross Fiduciary activities income | $302,000 | 631 |
| Service charges on deposit accounts | $535,000 | 2,361 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,320,000 | 1,462 |
| Total noninterest expense | $8,785,000 | 1,390 |
| Salaries and employee benefits | $4,633,000 | 1,430 |
| Premises and equipment expense | $1,165,000 | 1,488 |
| Additional noninterest expense | $2,987,000 | 1,230 |
| Pre-tax net operating income | $2,022,000 | 2,852 |
| Securities gains (losses) | $8,000 | 2,829 |
| Applicable income taxes | $490,000 | 2,940 |
| Income before extraordinary items | $1,540,000 | 2,885 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,540,000 | 2,886 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $376,000 | 1,223 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,533,920 | 2,831 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $7,304,000 | 1,916 |
| Total interest expense | $1,411,000 | 2,710 |
| Net interest income | $5,893,000 | 1,697 |
| Provision for loan and lease losses | $250,000 | 1,820 |
| Total noninterest income | $1,530,000 | 1,564 |
| Gross Fiduciary activities income | $198,000 | 640 |
| Service charges on deposit accounts | $361,000 | 2,330 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $971,000 | 1,354 |
| Total noninterest expense | $5,911,000 | 1,378 |
| Salaries and employee benefits | $3,160,000 | 1,390 |
| Premises and equipment expense | $812,000 | 1,424 |
| Additional noninterest expense | $1,939,000 | 1,249 |
| Pre-tax net operating income | $1,262,000 | 2,991 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $297,000 | 3,101 |
| Income before extraordinary items | $965,000 | 3,024 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $965,000 | 3,024 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $176,000 | 1,512 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $965,000 | 2,940 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,620,000 | 1,935 |
| Total interest expense | $707,000 | 2,724 |
| Net interest income | $2,913,000 | 1,712 |
| Provision for loan and lease losses | $150,000 | 1,414 |
| Total noninterest income | $808,000 | 1,478 |
| Gross Fiduciary activities income | $101,000 | 645 |
| Service charges on deposit accounts | $188,000 | 2,208 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $519,000 | 1,263 |
| Total noninterest expense | $3,003,000 | 1,369 |
| Salaries and employee benefits | $1,600,000 | 1,388 |
| Premises and equipment expense | $435,000 | 1,338 |
| Additional noninterest expense | $968,000 | 1,241 |
| Pre-tax net operating income | $568,000 | 3,214 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $134,000 | 3,301 |
| Income before extraordinary items | $434,000 | 3,293 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $434,000 | 3,293 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $115,000 | 1,181 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $434,000 | 3,178 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $16,278,000 | 1,748 |
| Total interest expense | $4,755,000 | 1,884 |
| Net interest income | $11,523,000 | 1,684 |
| Provision for loan and lease losses | $-426,000 | 9,114 |
| Total noninterest income | $9,403,000 | 688 |
| Gross Fiduciary activities income | $320,000 | 687 |
| Service charges on deposit accounts | $858,000 | 2,000 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $8,225,000 | 516 |
| Total noninterest expense | $20,059,000 | 809 |
| Salaries and employee benefits | $9,419,000 | 904 |
| Premises and equipment expense | $2,564,000 | 873 |
| Additional noninterest expense | $8,076,000 | 669 |
| Pre-tax net operating income | $1,293,000 | 4,495 |
| Securities gains (losses) | $-9,000 | 8,769 |
| Applicable income taxes | $343,000 | 4,071 |
| Income before extraordinary items | $941,000 | 4,823 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $941,000 | 4,823 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,756,000 | 608 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $947,570 | 4,632 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $12,592,000 | 1,730 |
| Total interest expense | $3,854,000 | 1,806 |
| Net interest income | $8,738,000 | 1,680 |
| Provision for loan and lease losses | $-526,000 | 9,196 |
| Total noninterest income | $8,373,000 | 630 |
| Gross Fiduciary activities income | $240,000 | 687 |
| Service charges on deposit accounts | $695,000 | 1,860 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $7,438,000 | 477 |
| Total noninterest expense | $14,271,000 | 851 |
| Salaries and employee benefits | $7,253,000 | 893 |
| Premises and equipment expense | $1,778,000 | 970 |
| Additional noninterest expense | $5,240,000 | 747 |
| Pre-tax net operating income | $3,366,000 | 1,856 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $1,156,000 | 1,658 |
| Income before extraordinary items | $2,210,000 | 2,133 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,210,000 | 2,131 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 6,592 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,210,000 | 2,027 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $8,810,000 | 1,670 |
| Total interest expense | $2,786,000 | 1,741 |
| Net interest income | $6,024,000 | 1,614 |
| Provision for loan and lease losses | $-651,000 | 9,247 |
| Total noninterest income | $6,204,000 | 576 |
| Gross Fiduciary activities income | $170,000 | 677 |
| Service charges on deposit accounts | $484,000 | 1,751 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $5,550,000 | 438 |
| Total noninterest expense | $9,928,000 | 822 |
| Salaries and employee benefits | $5,060,000 | 846 |
| Premises and equipment expense | $1,212,000 | 942 |
| Additional noninterest expense | $3,656,000 | 719 |
| Pre-tax net operating income | $2,951,000 | 1,443 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $1,029,000 | 1,337 |
| Income before extraordinary items | $1,922,000 | 1,688 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,922,000 | 1,688 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-368,000 | 9,242 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,922,000 | 1,582 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $4,659,000 | 1,591 |
| Total interest expense | $1,483,000 | 1,680 |
| Net interest income | $3,176,000 | 1,536 |
| Provision for loan and lease losses | $-751,000 | 9,301 |
| Total noninterest income | $3,494,000 | 534 |
| Gross Fiduciary activities income | $90,000 | 676 |
| Service charges on deposit accounts | $246,000 | 1,660 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $3,158,000 | 400 |
| Total noninterest expense | $5,042,000 | 807 |
| Salaries and employee benefits | $2,609,000 | 820 |
| Premises and equipment expense | $647,000 | 890 |
| Additional noninterest expense | $1,786,000 | 719 |
| Pre-tax net operating income | $2,379,000 | 935 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $827,000 | 936 |
| Income before extraordinary items | $1,552,000 | 1,070 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,552,000 | 1,069 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-571,000 | 9,305 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,552,000 | 996 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $22,063,000 | 1,388 |
| Total interest expense | $8,390,000 | 1,346 |
| Net interest income | $13,673,000 | 1,427 |
| Provision for loan and lease losses | $2,705,000 | 589 |
| Total noninterest income | $11,715,000 | 570 |
| Gross Fiduciary activities income | $275,000 | 741 |
| Service charges on deposit accounts | $752,000 | 2,112 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $10,688,000 | 419 |
| Total noninterest expense | $19,675,000 | 804 |
| Salaries and employee benefits | $10,682,000 | 757 |
| Premises and equipment expense | $2,260,000 | 966 |
| Additional noninterest expense | $6,733,000 | 757 |
| Pre-tax net operating income | $3,008,000 | 2,501 |
| Securities gains (losses) | $183,000 | 1,229 |
| Applicable income taxes | $1,123,000 | 2,030 |
| Income before extraordinary items | $2,068,000 | 2,728 |
| Extraordinary gains, net | $-791,000 | 9,334 |
| Net income | $1,277,000 | 3,921 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,265,000 | 529 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,949,050 | 2,770 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $26,323,000 | 1,303 |
| Total interest expense | $13,184,000 | 1,225 |
| Net interest income | $13,139,000 | 1,350 |
| Provision for loan and lease losses | $3,492,000 | 467 |
| Total noninterest income | $9,472,000 | 624 |
| Gross Fiduciary activities income | $238,000 | 792 |
| Service charges on deposit accounts | $737,000 | 2,047 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $8,497,000 | 460 |
| Total noninterest expense | $16,827,000 | 886 |
| Salaries and employee benefits | $8,769,000 | 852 |
| Premises and equipment expense | $2,387,000 | 878 |
| Additional noninterest expense | $5,671,000 | 863 |
| Pre-tax net operating income | $2,292,000 | 2,855 |
| Securities gains (losses) | $89,000 | 1,844 |
| Applicable income taxes | $877,000 | 2,281 |
| Income before extraordinary items | $1,504,000 | 3,215 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,504,000 | 3,220 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,214,000 | 535 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,447,040 | 3,203 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $24,610,000 | 1,416 |
| Total interest expense | $10,130,000 | 1,693 |
| Net interest income | $14,480,000 | 1,211 |
| Provision for loan and lease losses | $1,020,000 | 1,036 |
| Total noninterest income | $3,312,000 | 1,234 |
| Gross Fiduciary activities income | $301,000 | 716 |
| Service charges on deposit accounts | $714,000 | 1,936 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $2,297,000 | 1,030 |
| Total noninterest expense | $15,181,000 | 930 |
| Salaries and employee benefits | $9,228,000 | 768 |
| Premises and equipment expense | $2,067,000 | 967 |
| Additional noninterest expense | $3,886,000 | 1,180 |
| Pre-tax net operating income | $1,591,000 | 3,904 |
| Securities gains (losses) | $-4,000 | 7,844 |
| Applicable income taxes | $574,000 | 3,204 |
| Income before extraordinary items | $1,013,000 | 4,342 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,013,000 | 4,344 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $793,000 | 885 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,015,560 | 4,341 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $15,305,000 | 2,130 |
| Total interest expense | $5,638,000 | 2,608 |
| Net interest income | $9,667,000 | 1,803 |
| Provision for loan and lease losses | $963,000 | 1,012 |
| Total noninterest income | $1,827,000 | 1,985 |
| Gross Fiduciary activities income | $151,000 | 922 |
| Service charges on deposit accounts | $698,000 | 1,903 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $978,000 | 1,904 |
| Total noninterest expense | $9,169,000 | 1,515 |
| Salaries and employee benefits | $5,215,000 | 1,329 |
| Premises and equipment expense | $1,422,000 | 1,439 |
| Additional noninterest expense | $2,532,000 | 1,750 |
| Pre-tax net operating income | $1,362,000 | 4,383 |
| Securities gains (losses) | $-2,000 | 8,771 |
| Applicable income taxes | $470,000 | 3,761 |
| Income before extraordinary items | $890,000 | 4,778 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $890,000 | 4,778 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $515,000 | 1,198 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $891,300 | 4,733 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $15,315,000 | 2,130 |
| Total interest expense | $6,411,000 | 2,339 |
| Net interest income | $8,904,000 | 1,928 |
| Provision for loan and lease losses | $509,000 | 1,697 |
| Total noninterest income | $973,000 | 3,144 |
| Gross Fiduciary activities income | $57,000 | 1,095 |
| Service charges on deposit accounts | $656,000 | 1,944 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $260,000 | 4,332 |
| Total noninterest expense | $5,910,000 | 2,214 |
| Salaries and employee benefits | $3,251,000 | 2,084 |
| Premises and equipment expense | $879,000 | 2,218 |
| Additional noninterest expense | $1,780,000 | 2,349 |
| Pre-tax net operating income | $3,458,000 | 2,093 |
| Securities gains (losses) | $5,000 | 3,437 |
| Applicable income taxes | $1,183,000 | 2,019 |
| Income before extraordinary items | $2,280,000 | 2,282 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,280,000 | 2,281 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $710,000 | 964 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,276,700 | 2,204 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $15,032,000 | 2,172 |
| Total interest expense | $6,827,000 | 2,213 |
| Net interest income | $8,205,000 | 2,123 |
| Provision for loan and lease losses | $375,000 | 2,191 |
| Total noninterest income | $749,000 | 3,766 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $563,000 | 2,333 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $186,000 | 5,134 |
| Total noninterest expense | $4,931,000 | 2,599 |
| Salaries and employee benefits | $2,557,000 | 2,591 |
| Premises and equipment expense | $724,000 | 2,651 |
| Additional noninterest expense | $1,650,000 | 2,496 |
| Pre-tax net operating income | $3,648,000 | 2,060 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $1,244,000 | 2,008 |
| Income before extraordinary items | $2,404,000 | 2,192 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,404,000 | 2,191 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $299,000 | 1,963 |
| Cash dividends | $500,000 | 3,451 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,404,000 | 2,138 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $13,633,000 | 2,448 |
| Total interest expense | $6,100,000 | 2,516 |
| Net interest income | $7,533,000 | 2,390 |
| Provision for loan and lease losses | $281,000 | 2,717 |
| Total noninterest income | $283,000 | 7,154 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $387,000 | 3,432 |
| Trading account gains and fees | $-309,000 | 4,699 |
| Additional Noninterest Income | $205,000 | 5,093 |
| Total noninterest expense | $3,335,000 | 3,959 |
| Salaries and employee benefits | $1,922,000 | 3,465 |
| Premises and equipment expense | $381,000 | 4,710 |
| Additional noninterest expense | $1,032,000 | 4,291 |
| Pre-tax net operating income | $4,200,000 | 1,712 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $1,433,000 | 1,676 |
| Income before extraordinary items | $2,767,000 | 1,788 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,767,000 | 1,789 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $150,000 | 3,170 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,767,000 | 1,757 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $10,645,000 | 3,114 |
| Total interest expense | $4,473,000 | 3,322 |
| Net interest income | $6,172,000 | 2,885 |
| Provision for loan and lease losses | $694,000 | 1,232 |
| Total noninterest income | $859,000 | 3,489 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $367,000 | 3,615 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $492,000 | 2,909 |
| Total noninterest expense | $2,832,000 | 4,488 |
| Salaries and employee benefits | $1,551,000 | 4,172 |
| Premises and equipment expense | $291,000 | 5,771 |
| Additional noninterest expense | $990,000 | 4,386 |
| Pre-tax net operating income | $3,505,000 | 2,101 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $1,196,000 | 2,037 |
| Income before extraordinary items | $2,309,000 | 2,187 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,309,000 | 2,185 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $83,000 | 4,132 |
| Cash dividends | $164,000 | 5,903 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,309,000 | 2,162 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $7,492,000 | 3,971 |
| Total interest expense | $2,690,000 | 4,353 |
| Net interest income | $4,802,000 | 3,698 |
| Provision for loan and lease losses | $533,000 | 1,468 |
| Total noninterest income | $240,000 | 8,083 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $343,000 | 3,908 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $-103,000 | 12,613 |
| Total noninterest expense | $2,200,000 | 5,742 |
| Salaries and employee benefits | $1,146,000 | 5,467 |
| Premises and equipment expense | $274,000 | 6,096 |
| Additional noninterest expense | $780,000 | 5,823 |
| Pre-tax net operating income | $2,309,000 | 3,040 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $788,000 | 2,811 |
| Income before extraordinary items | $1,521,000 | 3,136 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,521,000 | 3,147 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $132,000 | 3,202 |
| Cash dividends | $299,000 | 4,568 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,521,000 | 3,155 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,015,000 | 4,939 |
| Total interest expense | $2,560,000 | 4,709 |
| Net interest income | $3,455,000 | 5,012 |
| Provision for loan and lease losses | $310,000 | 2,913 |
| Total noninterest income | $444,000 | 6,049 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $302,000 | 4,398 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $142,000 | 6,740 |
| Total noninterest expense | $1,971,000 | 6,416 |
| Salaries and employee benefits | $949,000 | 6,417 |
| Premises and equipment expense | $263,000 | 6,446 |
| Additional noninterest expense | $759,000 | 6,181 |
| Pre-tax net operating income | $1,618,000 | 4,053 |
| Securities gains (losses) | $5,000 | 6,132 |
| Applicable income taxes | $552,000 | 3,838 |
| Income before extraordinary items | $1,071,000 | 4,421 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,071,000 | 4,546 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $158,000 | 3,569 |
| Cash dividends | $378,000 | 3,822 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,067,700 | 4,207 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,449,000 | 6,955 |
| Total interest expense | $2,102,000 | 6,863 |
| Net interest income | $2,347,000 | 6,900 |
| Provision for loan and lease losses | $333,000 | 3,896 |
| Total noninterest income | $404,000 | 6,509 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $260,000 | 4,984 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $144,000 | 6,792 |
| Total noninterest expense | $1,465,000 | 8,045 |
| Salaries and employee benefits | $695,000 | 8,030 |
| Premises and equipment expense | $210,000 | 7,616 |
| Additional noninterest expense | $560,000 | 7,875 |
| Pre-tax net operating income | $953,000 | 5,837 |
| Securities gains (losses) | $-8,000 | 13,215 |
| Applicable income taxes | $332,000 | 5,558 |
| Income before extraordinary items | $613,000 | 6,489 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $613,000 | 6,563 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 6,844 |
| Cash dividends | $155,000 | 5,677 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $618,200 | 6,083 |
* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.